{"id":8831,"date":"2026-03-12T11:13:51","date_gmt":"2026-03-12T05:43:51","guid":{"rendered":"https:\/\/fatakpay.com\/blog\/?p=8831"},"modified":"2026-05-15T15:17:23","modified_gmt":"2026-05-15T09:47:23","slug":"how-is-cibil-score-calculated","status":"publish","type":"post","link":"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/","title":{"rendered":"How is CIBIL Score Calculated?"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#Introduction_%E2%80%93_Why_Understanding_CIBIL_Score_Calculation_Matters\" >Introduction \u2013 Why Understanding CIBIL Score Calculation Matters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#What_Is_a_CIBIL_Score\" >What Is a CIBIL Score?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#CIBIL_Score_Range\" >CIBIL Score Range<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#How_Is_CIBIL_Score_Calculated\" >How Is CIBIL Score Calculated?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#Key_Factors_That_Affect_Your_CIBIL_Score\" >Key Factors That Affect Your CIBIL Score<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#1_Payment_History\" >1. Payment History<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#2_Credit_Utilisation_Ratio\" >2. Credit Utilisation Ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#3_Length_of_Credit_History\" >3. Length of Credit History<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#4_Credit_Mix\" >4. Credit Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#5_Credit_Enquiries\" >5. Credit Enquiries<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#Weightage_of_Factors_in_CIBIL_Score_Calculation\" >Weightage of Factors in CIBIL Score Calculation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#How_Your_Credit_Report_Influences_Your_CIBIL_Score\" >How Your Credit Report Influences Your CIBIL Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#Important_Points_to_Remember_About_Your_CIBIL_Score\" >Important Points to Remember About Your CIBIL Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#FAQs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#1_What_is_CIBIL_score\" >1. What is CIBIL score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#2_How_is_CIBIL_score_calculated\" >2. How is CIBIL score calculated?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#3_What_affects_CIBIL_score_the_most\" >3. What affects CIBIL score the most?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#4_What_is_a_good_CIBIL_score_in_India\" >4. What is a good CIBIL score in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated-3\/#5_How_can_I_check_my_CIBIL_score\" >5. How can I check my CIBIL score?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Introduction_%E2%80%93_Why_Understanding_CIBIL_Score_Calculation_Matters\"><\/span><strong>Introduction \u2013 Why Understanding CIBIL Score Calculation Matters<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your credit score plays a critical role in determining whether lenders approve your loan application. In India, one of the most widely used credit scores is the CIBIL score.<\/p>\n\n\n\n<p>Understanding <strong>CIBIL score calculation<\/strong> helps you manage your financial behaviour better and improve your chances of loan approval. When you know <strong>how is CIBIL score calculated<\/strong>, you can take the right steps to maintain a healthy credit profile.<\/p>\n\n\n\n<p>Whether you are planning to apply for a personal loan, credit card, or home loan, knowing how the score works is an important part of financial planning.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_a_CIBIL_Score\"><\/span><strong>What Is a CIBIL Score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A CIBIL score is a three-digit number that represents your creditworthiness. It typically ranges between <strong>300 and 900<\/strong> and is generated by TransUnion CIBIL based on your credit history.<\/p>\n\n\n\n<p>The score reflects how responsibly you manage credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"CIBIL_Score_Range\"><\/span><strong>CIBIL Score Range<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Score Range<\/strong><\/td><td><strong>Rating<\/strong><\/td><\/tr><tr><td>750 \u2013 900<\/td><td>Excellent<\/td><\/tr><tr><td>700 \u2013 749<\/td><td>Good<\/td><\/tr><tr><td>650 \u2013 699<\/td><td>Fair<\/td><\/tr><tr><td>600 \u2013 649<\/td><td>Low<\/td><\/tr><tr><td>300 \u2013 599<\/td><td>Poor<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>A score above <strong>750<\/strong> is generally considered ideal for faster loan approvals.<\/p>\n\n\n\n<p>Understanding <strong>what is CIBIL score<\/strong> and how it works can help you maintain better financial discipline.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Is_CIBIL_Score_Calculated\"><\/span><strong>How Is CIBIL Score Calculated?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The <strong>CIBIL score calculation<\/strong> is based on several financial factors recorded in your credit report.<\/p>\n\n\n\n<p>When lenders report your credit activity to the credit bureau, it forms your credit history. This information is analysed using a scoring model to determine your score.<\/p>\n\n\n\n<p>The calculation takes into account:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your repayment behaviour<br><\/li>\n\n\n\n<li>Amount of credit used<br><\/li>\n\n\n\n<li>Length of credit history<br><\/li>\n\n\n\n<li>Types of credit accounts<br><\/li>\n\n\n\n<li>Number of credit enquiries<br><\/li>\n<\/ul>\n\n\n\n<p>Together, these elements determine <strong>how is CIBIL score calculated<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Factors_That_Affect_Your_CIBIL_Score\"><\/span><strong>Key Factors That Affect Your CIBIL Score<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Several financial habits influence your credit score. These are known as the <strong>factors affecting CIBIL score<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Payment_History\"><\/span><strong>1. Payment History<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Paying EMIs and credit card bills on time is the most important factor.<\/p>\n\n\n\n<p>Late payments or missed EMIs can significantly reduce your score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Credit_Utilisation_Ratio\"><\/span><strong>2. Credit Utilisation Ratio<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This refers to how much of your available credit limit you are using.<\/p>\n\n\n\n<p>High utilisation indicates higher credit dependency and may reduce your score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Length_of_Credit_History\"><\/span><strong>3. Length of Credit History<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The longer your credit history, the more reliable your credit profile appears.<\/p>\n\n\n\n<p>Maintaining older accounts helps strengthen your credit report.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Credit_Mix\"><\/span><strong>4. Credit Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A balanced mix of secured loans (home, car) and unsecured loans (personal loans, credit cards) improves your credit profile.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Credit_Enquiries\"><\/span><strong>5. Credit Enquiries<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Multiple loan applications within a short period may negatively affect your score.<\/p>\n\n\n\n<p>Each enquiry creates a hard check on your credit report.<\/p>\n\n\n\n<p>These <strong>factors affecting CIBIL score<\/strong> play a major role in determining your overall credit health.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Weightage_of_Factors_in_CIBIL_Score_Calculation\"><\/span><strong>Weightage of Factors in CIBIL Score Calculation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Although the exact algorithm is confidential, approximate weightage is generally understood as follows.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Factor<\/strong><\/td><td><strong>Approx Weightage<\/strong><\/td><\/tr><tr><td>Payment History<\/td><td>30\u201335%<\/td><\/tr><tr><td>Credit Utilisation<\/td><td>20\u201325%<\/td><\/tr><tr><td>Credit Exposure<\/td><td>20%<\/td><\/tr><tr><td>Credit Type &amp; Duration<\/td><td>10\u201315%<\/td><\/tr><tr><td>Other Factors<\/td><td>5\u201310%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Understanding these <strong>CIBIL score criteria<\/strong> helps borrowers improve their credit behaviour.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Your_Credit_Report_Influences_Your_CIBIL_Score\"><\/span><strong>How Your Credit Report Influences Your CIBIL Score<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your credit report contains detailed records of your financial activity.<\/p>\n\n\n\n<p>It includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Active and closed loan accounts<br><\/li>\n\n\n\n<li>Credit card usage<br><\/li>\n\n\n\n<li>Repayment history<br><\/li>\n\n\n\n<li>Loan enquiries<br><\/li>\n\n\n\n<li>Outstanding balances<br><\/li>\n<\/ul>\n\n\n\n<p>Any changes in these records can influence your score.<\/p>\n\n\n\n<p>Monitoring your credit report regularly helps identify errors and track improvements in your credit profile.<\/p>\n\n\n\n<p>Product like <strong>FatakUdaan from FatakPay<\/strong> help users stay informed about their credit health. With FatakUdaan, users can <a href=\"https:\/\/fatakpay.com\/check-credit-score?utm_source=blog&amp;utm_medium=internal&amp;utm_campaign=product_interlinking\" target=\"_blank\" rel=\"noopener\">check their credit score<\/a>, understand their credit behaviour, and take steps to improve their financial profile before applying for loans.<\/p>\n\n\n\n<p>Regular monitoring helps maintain a strong credit profile.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Important_Points_to_Remember_About_Your_CIBIL_Score\"><\/span><strong>Important Points to Remember About Your CIBIL Score<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here are a few key things to keep in mind regarding the <strong>importance of CIBIL score<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A score above <strong>750<\/strong> improves loan approval chances<br><\/li>\n\n\n\n<li>Timely repayments are the biggest contributor to a good score<br><\/li>\n\n\n\n<li>Multiple loan applications may temporarily reduce your score<br><\/li>\n\n\n\n<li>Maintaining low credit utilisation helps improve credit health<br><\/li>\n\n\n\n<li>Regular monitoring helps detect errors early<br><\/li>\n<\/ul>\n\n\n\n<p>Understanding the <strong>importance of CIBIL score<\/strong> allows you to manage credit responsibly and improve financial stability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Understanding <strong>how is CIBIL score calculated<\/strong> is essential for building a strong financial future. Your credit score reflects your financial discipline and influences loan approvals, credit limits, and interest rates.<\/p>\n\n\n\n<p>By maintaining timely repayments, controlling credit usage, and monitoring your credit report regularly, you can maintain a healthy credit profile.<\/p>\n\n\n\n<p>Digital financial product such as <strong><a href=\"https:\/\/link.ftkp.in\/2uSI\/si8ubmv9\" target=\"_blank\" rel=\"noopener\">FatakUdaan from FatakPay<\/a><\/strong> help users monitor their credit health, understand their credit behaviour, and take steps toward improving their financial profile.<\/p>\n\n\n\n<p>Building good credit habits today can open better financial opportunities tomorrow.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_What_is_CIBIL_score\"><\/span><strong>1. What is CIBIL score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A CIBIL score is a three-digit number between 300 and 900 that represents your creditworthiness.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_How_is_CIBIL_score_calculated\"><\/span><strong>2. How is CIBIL score calculated?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It is calculated based on factors such as payment history, credit utilisation, credit history length, credit mix, and loan enquiries.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_What_affects_CIBIL_score_the_most\"><\/span><strong>3. What affects CIBIL score the most?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Payment history has the biggest impact on your credit score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_What_is_a_good_CIBIL_score_in_India\"><\/span><strong>4. What is a good CIBIL score in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A score above 750 is generally considered good for loan approvals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_How_can_I_check_my_CIBIL_score\"><\/span><strong>5. How can I check my CIBIL score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You can check your score through credit bureau websites or digital platforms that offer credit monitoring services.<\/p>\n\n\n\n&#8220;<script type=\"\"application\/ld+json\"\">\n{\n  \"\"@context\"\": \"\"https:\/\/schema.org\/\"\", \n  \"\"@type\"\": \"\"BreadcrumbList\"\", \n  \"\"itemListElement\"\": [{\n    \"\"@type\"\": \"\"ListItem\"\", \n    \"\"position\"\": 1, \n    \"\"name\"\": \"\"Home\"\",\n    \"\"item\"\": \"\"https:\/\/www.fatakpay.com\"\"  \n  },{\n    \"\"@type\"\": \"\"ListItem\"\", \n    \"\"position\"\": 2, \n    \"\"name\"\": \"\"Blog\"\",\n    \"\"item\"\": \"\"https:\/\/www.fatakpay.com\/blog\"\"  \n  },{\n    \"\"@type\"\": \"\"ListItem\"\", \n    \"\"position\"\": 3, \n    \"\"name\"\": \"\"Credit Score\"\",\n    \"\"item\"\": \"\"https:\/\/www.fatakpay.com\/blog\/credit-score\"\"  \n  },{\n    \"\"@type\"\": \"\"ListItem\"\", \n    \"\"position\"\": 4, \n    \"\"name\"\": \"\"How Is CIBIL Score Calculated?\"\",\n    \"\"item\"\": \"\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated\"\"  \n  }]\n}\n<\/script>&#8221;\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BlogPosting\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-is-cibil-score-calculated\"\n  },\n  \"headline\": \"How CIBIL Score Is Calculated \u2013 Factors & Weightage\",\n  \"description\": \"Learn how CIBIL score is calculated using key factors like payment history, credit utilisation, and credit mix. Understand weightage and how it impacts loan approval.\",\n  \"image\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\",  \n  \"author\": {\n    \"@type\": \"Organization\",\n    \"name\": \"FatakPay\",\n    \"url\": \"https:\/\/www.fatakpay.com\"\n  },  \n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"FatakPay\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\"\n    }\n  },\n  \"datePublished\": \"12-03-2026\"\n}\n<\/script>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduction \u2013 Why Understanding CIBIL Score Calculation Matters Your credit score plays a critical role in determining whether lenders approve your loan application. In India, one of the most widely used credit scores is the CIBIL score. Understanding CIBIL score calculation helps you manage your financial behaviour better and improve your chances of loan approval.<\/p>\n","protected":false},"author":1,"featured_media":8834,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[164],"tags":[],"class_list":{"0":"post-8831","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credit-score"},"_links":{"self":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/8831","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/comments?post=8831"}],"version-history":[{"count":4,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/8831\/revisions"}],"predecessor-version":[{"id":9191,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/8831\/revisions\/9191"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media\/8834"}],"wp:attachment":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media?parent=8831"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/categories?post=8831"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/tags?post=8831"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}